Mr. Bhatty is CEO of Tokio Marine Middle East Takaful based in the DIFC, Dubai. The Company provides technical and management services to insurance and takaful companies of the Group in the MENA region and is currently in the process of setting up Takaful JVs in Egypt and Saudi Arabia. • Previously, Mr. Bhatty was Global Head of Takaful at HSBC and CEO of Takaful International Bahrain. Before that, he was with Arab Insurance Group Bahrain and Old Mutual in the UK. . Mr. Bhatty’s association with Takaful started in 1985, when ‘takaful’ was still in embryonic stage, driven more by its concepts than by credible numbers and financial viability.

He has been engaged in industry debates and worked with Regulators and AAOIFI in developing Norms, Models and Terminology for Takaful Industry. He is member of a sub-committee of Islamic Development Bank and Bank Negara Malaysia on development and promotion of takaful amongst the members of Organization of Islamic Countries. • Mr. Bhatty has maintained active data base on the growth and development of takaful business globally which has become recognized source and reference on Takaful within the industry.